JP2002074508A - Input terminal device for debit card system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an input terminal device for a debit card system, which solves the problem that there is a risk that a password is detected by a third person from the movement, etc., of fingers of a customer at the time when the customer inputs the password by using a dedicated input terminal device in regard to payment in the conventional debit card system, and effectively prevents the password from being looked furtively and detected by the third person, because the input terminal device is provided with a touch panel type display, an input button image for a password is displayed on the touch panel type display, and the number array of the input button image is also randomly changed in each customer. SOLUTION: In a debit card system in which purchases are paid for with a cash card, this input terminal device for the debit card system is to input the password in making a payment for the purchases and provided with the touch panel type display, and also, in which the password can be inputted by directly touching the input button image display on the display with the fingers.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an input terminal of a debit card system for paying for shopping using a cash card.

[0002]

2. Description of the Related Art In recent years, a system called a debit card system that uses a cash card for payment for shopping has begun to spread nationwide and has become a hot topic. Debit card system is a new payment method that allows payment by cash card of financial institutions (banks, post offices), and now owns payments for shopping, meals, gas stations, medical institutions and public institutions and other service institutions It can be completed with a cash card that does not need to be issued, a new card is not required, there is no need to apply for a new subscription, and there is no commission on the customer side, so the advantage of the customer is great. It is a target.

[0003] A system called "instant payment system" is used for payment of this debit card system.
When paying for shopping, the customer enters the purchase amount and a predetermined PIN from a dedicated input terminal installed at the store,
Immediately, the purchase amount is deducted from the customer's financial institution account, and a transfer is made to the shop where the purchase was made.
Payment will be made after a day. In this way, the debit card system uses an "instant payment method" of immediate settlement and immediate payment, so that the store can quickly collect sales, facilitate funding, and compare it with general credit cards It is also characteristic that the merits of the store are great, because the fee paid by the store is low and there is no need for a customer's signature or credit inquiry procedure.

As described above, a dedicated input terminal is used to make a payment using such a debit card system. In recent years, however, conventional input terminals installed at stores have been developed. Most are push button type. FIG. 4 shows an external view of a conventional input terminal. The input terminal device 40 shown in this example includes an input button 41 for inputting a purchase amount and a password, a display unit 42 for displaying the purchase amount input by the input button 41, and a display unit 42 for passing a cash card. A magnetic information reading unit 44 having an insertion groove 43 for reading magnetic information such as a bank account number recorded on a cash card is provided.

[0005] First, when paying, a customer brings a shopping object to a cash register of a store, and asks a clerk in charge to calculate the total amount of shopping. Next, the clerk is informed that the payment is to be made with a debit card, and the cash card is given.
The clerk passes the cash card received from the customer through the card insertion groove 43. Then, the magnetic information reading unit 44 reads magnetic information such as an account number of a predetermined bank from the cash card. Then, when the clerk inputs the total amount with the input button 41, the total amount is displayed on the display section 42. Next, the clerk hands over the input terminal 40 to the customer, asks the customer to confirm the total price displayed, and then asks the customer to input a password using the input button 41.

When the input terminal 40 is linked to the POS system, the bar code information attached to the shopping item is read by the POS terminal and the total amount is automatically displayed on the input terminal 40. Since the operation of inputting the total amount with the input button 41 is omitted, the customer may input the personal identification number while checking the displayed total amount.

Next, the information of the total amount and the password entered by the input terminal 40 is transmitted from the input terminal 40 together with magnetic information such as the account number of the predetermined bank as a series of account withdrawal information. The debit information sent from the input terminal 40 is inputted to the terminal device of the designated bank via online not shown in FIG. 4, and the terminal device of the designated bank debits the total amount from the customer's account according to the debit information. Immediately. As described above, by using the debit card system, the customer can complete the payment as soon as the customer prepares a cash card and inputs the total amount and the password into a predetermined input terminal.

[0008]

However, the payment by the conventional input terminal described above has the following problems. In other words, the conventional input terminal uses a push button to input a predetermined password.
There is a danger that the password will be detected by someone who is peeping. Also, if screens of a predetermined height are placed on the left and right sides of the input terminal so that the push buttons of the input terminal are not directly looked into, the wiretapping may be prevented to some extent.

However, even if there is a screen, it is sufficiently possible to detect which input button has been pressed based on the movement of the finger inputting the password. For example, placing an input terminal in a box with a hole for inserting a hand and groping to operate the button can prevent prying eyes, but by changing the shape of the button, etc. However, mistakes in button presses are inevitable and not practical. SUMMARY OF THE INVENTION The present invention is to solve the above-described security problem of the input terminal, and provides an input terminal for preventing a password from being detected by a third party when a password is input. The purpose is to:

[0010]

According to one aspect of the present invention, an input terminal for a debit card system according to the present invention is provided.
An input terminal for inputting a personal identification number when paying for the shopping, the input terminal having a touch panel display, by directly touching the image of the input button displayed on the display with a finger, The personal identification number can be input.

According to a second aspect of the present invention, there is provided an input terminal for a debit card system according to the present invention, wherein the images of the number keys displayed on the input terminal are arranged in a lattice pattern. The arrangement order of the numbers indicated by the images of the input buttons is changed randomly each time a password is input. According to a third aspect of the present invention, there is provided an input terminal for a debit card system, wherein images of input buttons displayed on the input terminal are arranged in a circle, and each time a password is input. The arrangement order of the numbers indicated by the images of the input buttons is randomly changed.

[0012]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will be described below in detail based on illustrated embodiments. FIG. 1A is an external view of an embodiment of an input terminal for a debit card system according to the present invention. The input terminal device 40 includes a touch panel display 10 that displays an image of an input button and allows a predetermined password and a purchase amount to be input by touching the input button, and an insertion groove 43 for passing a cash card. And a magnetic information reading unit 44 for reading magnetic information such as a bank account number recorded on the cash card. The touch-type display 10 displays an input button image 11 as shown in FIG. 1 (b). By directly touching the input button image 11 with a finger, a predetermined password and a purchase price are displayed. Can be input to the input terminal 40.

The operation of the input terminal 40 shown in FIG. 1A will be described below. First, when paying, the customer brings the shopping object to the store cash register and asks the sales clerk to calculate the total amount of the shopping. Next, the clerk is informed that the payment is to be made with a debit card, and the cash card is given. The clerk passes the cash card received from the customer through the card insertion groove 43. Then, the magnetic information reading unit 44 reads the magnetic information such as the account number of the predetermined bank from the cash card, and the input terminal 40 is in the input receiving state, and the touch panel display 10 is shown in FIG.
An image of the input button as shown in (b) is displayed. Next, the clerk inputs the total amount of shopping by directly touching the input button image 11 displayed on the touch panel display 10 with a finger. Then Figure 1
As shown in (b), the total amount of shopping is, for example, “1”.
0,500 yen "and the like, and the arrangement order of 0 to 9 of the input button image 11 changes to a random arrangement order.

The clerk gives the input terminal 40 to the customer, asks the customer to confirm the total price of the shopping displayed on the input terminal 40, and inputs a predetermined password while looking at the input button image 11 whose arrangement order has changed. Have the customer enter it. The input personal identification number is displayed in a blank state below the portion where the total amount is displayed, for example, "****". It should be noted that the clerk has assumed that the total amount is to be input. However, an input method may be adopted in which the customer inputs the total amount, and after the clerk confirms this, the customer subsequently inputs the personal identification number. .

Next, when the account number information, the total amount and the password are input to the input terminal 40, these are sent out as a series of account debit information from the input terminal 40, and are also sent to a predetermined bank via an unillustrated online. Is input to the terminal device. The terminal device of the designated bank immediately executes a process of withdrawing the total amount from the customer's account according to the account debit information. Here, as soon as the debit information is transmitted from the input terminal 40 to the terminal device of the designated bank, the input button image 11 displayed on the touch-type display 10 of the input terminal 40 is deleted. The display shifts to a state where nothing is displayed on the touch display 10.

Next, when another customer pays using the input terminal 40, the cash card is passed through the card insertion groove 43 in the same manner as described above, and a predetermined password and a total amount are input. Good. However, the arrangement order of the input buttons 11 to 9 displayed on the touch-type display 10 when inputting the personal identification number is different from that displayed for the previous customer. The arrangement order from 0 to 9 displayed when inputting the password is determined by the customer using the input terminal 4.
Each time a payment is completed using a 0, the order of the arrangement changes randomly and becomes a shuffled state.

Thus, even if a third party is peeping close to the place where the personal identification number is being entered using the input terminal 40 and the movement of the customer's finger or the like is observed for a long time, the input terminal is not Since the arrangement order of the input buttons 11 displayed on the device 40 changes every time the customer completes the payment, it is almost impossible to detect the input personal identification number.
The arrangement of the input buttons 11 displayed on the input terminal 40 is such that numbers 0 to 9 are arranged in a grid as shown in FIG. 1B, but the present invention is not limited to this. Instead, for example, they may be arranged as shown in FIG. In the display example of FIG. 2, numbers from 0 to 9 are arranged in a circle. In this circular arrangement, as in the above-described example, the arrangement order from 0 to 9 changes randomly each time the customer changes. Alternatively, input button 11
It would be more effective to prepare several arrangements such as a grid or circle for the arrangement, and to switch and display these arrangements at random.

Still further, the input terminal 40 may be configured as shown in FIG. FIG. 3 shows an external view of an embodiment in which a slit-shaped structure is installed on a touch panel display of an input terminal. In FIG. 3, an input terminal 40 includes a display 30 and a slit-shaped structure 31.
And the touch panel sheet 32, the card insertion groove 43,
And a magnetic information reading unit 44. The input terminal device 40 shown in this example displays an input button image for inputting a personal identification number and a total amount on the display display 30 in the same manner as the above-described example, and arranges the slit-like structure 31 thereon, A sheet for touch panel 32 is arranged on the slit-like structure 31.

When a payment is made using the input terminal device 40, the image of the input button displayed on the display 30 can be seen through the gaps between the slits of the slit-like structure 31, so that a predetermined input can be made. When a portion corresponding to the button image is touched with a finger from above the touch panel sheet 32, the touch panel sheet 32 can detect this and send it to the input terminal 40 as position detection information. As described above, when a predetermined password is input as in the example described above, the arrangement order of the input button images from 0 to 9 changes randomly. Here, since the slit-like structure 31 is disposed between the display 30 and the touch panel sheet 32, the field of view is blocked from a direction other than the direction directly facing the display 30. Needless to say, a higher effect can be obtained to prevent the third party from seeing.

In particular, the provision of the slit-shaped structure 31 sufficiently shields the field of view not only from a malicious third party but also from a clerk who may be closest to the customer at the time of payment. It seems that the input terminal 40 can be operated with a feeling. In addition, the shape of the slit of the slit structure 31 is not limited to the arrangement of the vertically elongated slits, as long as it obstructs the view, for example, the same hexagonal slit as the cross section of the honeycomb may be arranged vertically and horizontally, A wavy transparent sheet similar to an accordion curtain could be used.

[0021]

As described above, according to the present invention, when a customer inputs a personal identification number using a dedicated input terminal in payment in a conventional debit card system, the movement of the customer's finger for inputting the personal identification number is performed. From the above, it is possible to solve a problem that a third party may be perceived as having a risk of detecting a personal identification number. The input terminal device includes a touch panel type display and displays an input button image for the personal identification number on the touch type display. Since the order of the button images is randomly changed for each customer, it is effective in providing an input terminal for a debit card system having a high effect of preventing the identification number from being seen by a third party.

[0022]

[Brief description of the drawings]

FIG. 1 is an external view showing a first embodiment of an input terminal.

FIG. 2 is a display example of an input button image displayed on the input terminal device.

FIG. 3 is an external view showing a second embodiment of the input terminal.

FIG. 4 is an external view showing an embodiment of a conventional input terminal.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 ... Touch panel display 11 ... Input button image 30 ... Display display 31 ... Slit-like structure 32 ... Touch panel sheet 40 ... Input terminal 41 ... Input button 42 ..Display part 43 ... Card insertion groove 44 ... Magnetic information reading part

Claims (4)

[Claims] 1. A debit card system capable of paying for shopping with a cash card or the like, an input terminal for inputting a personal identification number when paying for the shopping, wherein the input terminal has a touch panel display, An input terminal for a debit card system, wherein the personal identification number can be input by directly touching the image of the input button displayed on the display with a finger. 2. The image of the input buttons displayed on the input terminal is arranged in a grid pattern, and every time a personal identification number is input, the arrangement order of the numbers indicated by the image of the input buttons is randomly determined. 2. The input terminal for a debit card system according to claim 1, wherein the input terminal changes. 3. An image of input buttons displayed on the input terminal is arranged in a circle, and every time a personal identification number is input, the arrangement order of the numbers indicated by the input button images is randomly determined. 2. The input terminal for a debit card system according to claim 1, wherein the input terminal changes. 4. The touch panel type display has a display panel for displaying an image, a slit-shaped member on the upper surface thereof for obstructing a view from a position other than the front, and a touch panel provided on the upper surface of the slit-shaped member. 2. The input terminal for a debit card system according to claim 1, wherein: